03 9716 3057 office@nhchurch.com.au


Who does CAP help?
We help everyone with unsecured debt, irrespective of race, religious persuasion or social standing, providing they live within 30 minutes of a CAP Centre. Nobody with unsecured debt is ever turned away without hope, as long as they co-operate with us.

Is CAP just for Christians?
No, we help anyone without discrimination.

What should I do to get help?
Contact our head office on 1300 227 000, select Option 1 and our New Client Enquiries team will determine whether we are able to help. If we can, an appointment will be made for a debt coach to visit you at home. This means that there are no queues to wait in, you will be more comfortable, and will have your bills and paperwork close at hand.

Will the people I owe co-operate with you?
Landlords, utilities and mortgage companies work with us because we have the same goal and they have seen the results of our involvement. They know that we offer fair repayments based on what you can afford.

What about my credit cards and bank loans?
As long as your living expenses are reasonable and necessary we have found that unsecured creditors do accept our repayment offers.

Does CAP give money to clients to pay debts?
No, CAP does not give any money to clients to help pay their debts. All of the money that is used to pay off client debt comes from the clients themselves. We work intensively with clients to help them to live within their means and to repay their own debts.

What happens if my circumstances change?
No problem, we can amend your budget and your regular payments into the CAP Account as many times as is required. We are also happy to renegotiate with creditors if this becomes necessary.

Does it cost me anything?
No. We do not charge for any help or advice we give. The operation of the CAP Account and associated services is also provided FREE of charge.

We do, however, give clients the opportunity to support the work of CAP and so help another family in need. We have found that the act of giving can break through a poverty mentality, and so bring about great change in personal circumstances. However, there is no obligation on any client to give and we will provide the same service to all, regardless of whether they choose to give or not.

How is CAP funded?
CAP is funded primarily by donation. We do not receive any Government funding, although this may be sought in the future. Our donors (called Life Changers) are mainly individuals, businesses, and clients who share our vision of helping the poor and needy of this country by assisting them to work their own way out of debt. Our philosophy is to have a lot of people, each giving a little, on a regular basis.

Why do we do what we do?
Because we are Christians who want to reach out in love to those who are poor and needy, just as we know God wants us to do.